Cindy Wirtner has been advising her clients about some moves to make in light of the threatening fiscal cliff, but how do you really do that when we still don't know the rules that we'll be playing by?

Cindy Wirtner says one thing we should count on is that payroll taxes temporarily lowered by the federal government in 2011 will jump back to old levels, two percent higher than they have been.

If you make $30,000 a year, your take home pay will be cut by $50.00 a month.

The more you make, the bigger the hit.

Wirtner says that kind of clarity doesn't exist for people running small companies.

" They don't know what to expect. Business owners don't know what's going to be deductible and if it is deductible at what time. They don't know how much money they're going to make, what it's going to be taxable at, so, we do a lot of business tax returns and there's a lot of sitting and waiting," said Wirtner, with Leonard J. Andorfer & Company LLC.

She says folks filing tax returns should also expect delays in receiving tax refunds, though she says the fiscal cliff negotiations really aren’t to blame for that change.

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